Estados financieros detallados de Colony Bankcorp, Inc. (CBAN): cuenta de resultados, balance general y flujo de caja. Sigue la evolución de márgenes, deuda, liquidez y rentabilidad año a año con hasta 20 años de histórico.
Resumen del Análisis
Colony Bankcorp, Inc. registró ingresos de $186.1M en el último ejercicio fiscal, con un CAGR de 5 años del 16.3%. El beneficio neto alcanzó $28.3M, con un CAGR a 5 años del 19.0%.
Márgenes de los últimos 12 meses: margen bruto 59.2%, margen operativo 11.6%, margen neto 20.6%.
Al precio actual de $21.06, CBAN cotiza a un P/E de 12.86 y un ROE del 9.04%. La capitalización bursátil es de $446M.
Cuenta de Resultados (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Ingresos | $54.1M | $55.7M | $58.6M | $74.5M | $87.4M | $106.9M | $126.6M | $160.6M | $176.6M | $186.1M |
| Coste de Ventas | $7.5M | $7.3M | $8.4M | $13.7M | $14.4M | $5.1M | $14.2M | $50.3M | $64.2M | $62.6M |
| Beneficio Bruto | $46.6M | $48.4M | $50.2M | $60.7M | $72.9M | $101.8M | $112.3M | $110.3M | $112.4M | $123.6M |
| I+D | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Generales y Administrativos | $23.0M | $23.7M | $20.1M | $28.2M | $36.3M | $48.3M | $56.5M | $52.7M | $53.8M | $3.5M |
| Gastos Operativos | $34.1M | $33.9M | $35.3M | $48.1M | $58.3M | $78.6M | $89.5M | $83.1M | $82.8M | $88.4M |
| Beneficio Operativo | $12.5M | $14.5M | $14.9M | $12.6M | $14.6M | $23.2M | $22.9M | $27.2M | $29.6M | $35.1M |
| EBITDA | $15.7M | $17.6M | $16.8M | $15.5M | $20.5M | $31.8M | $34.5M | $35.9M | $37.7M | $35.1M |
| Gastos por Intereses | $6.5M | $6.9M | $8.2M | $12.6M | $7.9M | $4.4M | $10.9M | $46.7M | $61.2M | $58.1M |
| Beneficio Antes de Impuestos | $12.5M | $14.5M | $14.9M | $12.6M | $14.6M | $23.2M | $22.9M | $27.2M | $29.6M | $35.1M |
| Impuestos | $3.9M | $6.8M | $3.0M | $2.4M | $2.8M | $4.5M | $3.3M | $5.5M | $5.7M | $6.9M |
| Beneficio Neto | $8.7M | $7.8M | $11.9M | $10.2M | $11.8M | $18.7M | $19.5M | $21.7M | $23.9M | $28.3M |
| BPA | $0.85 | $0.89 | $1.41 | $1.12 | $1.24 | $1.66 | $1.14 | $1.24 | $1.36 | $1.59 |
| BPA Diluido | $0.84 | $0.87 | $1.40 | $1.12 | $1.24 | $1.66 | $1.14 | $1.24 | $1.36 | $1.59 |
| Acciones en Circulación (Diluidas) | $8.5M | $8.6M | $8.5M | $9.1M | $9.5M | $11.3M | $17.2M | $17.6M | $17.6M | $17.8M |
Cuenta de Resultados (Trimestral)
| Año | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Ingresos | $47.0M | $51.7M | $52.3M | $7.9M |
| Beneficio Bruto | $31.9M | $36.9M | $34.9M | -$9.5M |
| Beneficio Operativo | $7.3M | $11.2M | $10.5M | -$10.5M |
| EBITDA | $9.1M | $13.5M | $13.7M | -$13.7M |
| Beneficio Neto | $5.8M | $7.8M | $8.2M | $10.9M |
| BPA | $0.33 | $0.42 | $0.39 | $0.51 |
| BPA Diluido | $0.33 | $0.42 | $0.39 | $0.51 |
Balance (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Caja y Equivalentes | $75.2M | $57.8M | $10.4M | $15.6M | $17.2M | $19.0M | $20.6M | $25.3M | $26.0M | $27.3M |
| Inversiones a Corto | $323.7M | $354.2M | $353.1M | $347.3M | $380.8M | $938.2M | $432.6M | $407.4M | $38.8M | $225.2M |
| Cuentas por Cobrar | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Inventario | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Activos Corrientes | $398.8M | $412.1M | $363.4M | $362.9M | $398.0M | $957.1M | $453.1M | $432.7M | $64.8M | $252.5M |
| Inmovilizado Material | $28.0M | $27.6M | $28.8M | $32.5M | $32.1M | $43.0M | $41.6M | $39.9M | $37.8M | $37.0M |
| Fondo de Comercio | 0 | 0 | $202244 | $16.5M | $16.0M | $52.9M | $48.9M | $48.9M | $48.9M | $63.9M |
| Activos Intangibles | $80515 | $44766 | $556573 | $3.1M | $2.3M | $7.4M | $5.7M | $4.2M | $3.0M | $7.9M |
| Activos Totales | $1.21B | $1.23B | $1.25B | $1.52B | $1.76B | $2.69B | $2.94B | $3.05B | $3.11B | $3.74B |
| Cuentas por Pagar | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Deuda a Corto | 0 | 0 | 0 | $5.3M | $5.3M | $5.3M | 0 | 0 | 0 | 0 |
| Pasivos Corrientes | $1.04B | $1.07B | $1.09B | $1.30B | $1.45B | $2.38B | $2.49B | $2.54B | $2.57B | $3.07B |
| Deuda a Largo | $70.2M | $71.7M | $68.2M | $80.5M | $55.0M | $83.1M | $203.4M | $238.4M | $248.0M | $258.1M |
| Pasivos Totales | $1.12B | $1.14B | $1.16B | $1.38B | $1.62B | $2.47B | $2.71B | $2.80B | $2.83B | $3.36B |
| Reservas | $51.5M | $59.2M | $69.5M | $77.0M | $85.0M | $99.2M | $111.6M | $124.4M | $140.4M | $160.6M |
| Patrimonio Neto | $93.4M | $90.3M | $95.7M | $130.5M | $144.5M | $217.7M | $230.3M | $254.9M | $278.7M | $375.9M |
| Deuda Total | $70.2M | $71.7M | $68.2M | $85.8M | $60.3M | $88.4M | $203.4M | $238.4M | $248.0M | $258.1M |
| Deuda Neta | -$328.6M | -$340.3M | -$295.2M | -$277.1M | -$337.7M | -$868.7M | -$249.8M | -$194.3M | $183.2M | $5.6M |
| Capital Circulante | -$645.5M | -$655.9M | -$721.7M | -$936.2M | -$1.05B | -$1.42B | -$2.04B | -$2.11B | -$2.50B | -$2.82B |
Balance (Trimestral)
| Año | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Caja y Equivalentes | $25.3M | $27.3M | $24.3M | $25.3M |
| Activos Totales | $3.15B | $3.74B | $3.72B | $3.63B |
| Pasivos Totales | $2.85B | $3.36B | $3.34B | $3.24B |
| Patrimonio Neto | $302.3M | $375.9M | $380.4M | $390.0M |
| Deuda Total | $185.0M | $258.1M | $258.1M | $233.2M |
Flujo de Caja (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Beneficio Neto | $8.7M | $7.8M | $11.9M | $10.2M | $11.8M | $18.7M | $19.5M | $21.7M | $23.9M | $28.3M |
| Amortizaciones | $3.2M | $3.1M | $1.8M | $2.9M | $5.9M | $8.6M | $11.6M | $8.7M | $8.1M | $7.7M |
| Compensación en Acciones | 0 | 0 | $14000 | $34000 | $33000 | $599000 | $1.7M | $1.7M | $1.3M | $785000 |
| Cambio en Capital Circulante | $443708 | $27996 | $268000 | $953000 | $1.4M | -$2.1M | -$7.9M | -$3.1M | -$2.0M | -$10.3M |
| Flujo de Caja Operativo | $13.4M | $12.5M | $14.9M | $3.9M | -$19.1M | $36.1M | $49.7M | $21.0M | $23.4M | -$5.5M |
| Inversiones (CapEx) | -$3.3M | -$1.3M | -$2.8M | -$3.5M | -$4.2M | -$5.8M | -$2.9M | -$3.6M | -$1.1M | -$1.4M |
| Adquisiciones | 0 | 0 | -$10.0M | -$467000 | 0 | $33.3M | 0 | 0 | 0 | $916000 |
| Recompra de Acciones | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -$406000 | -$1.3M | -$2.4M |
| Dividendos Pagados | -$1.6M | -$1.2M | -$1.7M | -$2.7M | -$3.8M | -$4.5M | -$7.2M | -$7.7M | -$7.9M | -$8.0M |
| Flujo de Caja Libre | $10.1M | $11.2M | $12.2M | $392000 | -$23.3M | $30.3M | $46.8M | $17.4M | $22.3M | -$6.9M |
Flujo de Caja (Trimestral)
| Año | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Flujo de Caja Operativo | $14.4M | -$53.7M | $54.3M | $9.1M |
| Inversiones (CapEx) | $431000 | -$572000 | -$421000 | -$953000 |
| Flujo de Caja Libre | $14.8M | -$54.3M | $53.8M | $8.2M |
| Dividendos Pagados | -$2.0M | -$2.0M | -$2.6M | -$2.5M |
| Compensación en Acciones | $204000 | $211000 | $193000 | $171000 |
Crecimiento y Márgenes (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Crecimiento Ingresos (anual) | | +2.8% | +5.4% | +27.0% | +17.3% | +22.3% | +18.4% | +26.9% | +10.0% | +5.4% |
| Crecimiento Beneficio Neto (anual) | | -10.6% | +53.7% | -14.3% | +15.7% | +57.9% | +4.7% | +11.3% | +9.8% | +18.4% |
| Crecimiento BPA (anual) | | +4.7% | +58.4% | -20.6% | +10.7% | +33.9% | -31.3% | +8.8% | +9.7% | +16.9% |
| Cambio en Acciones (anual) | | +1.4% | -1.1% | +6.9% | +4.0% | +18.5% | +52.8% | +2.3% | -0.1% | +1.3% |
| Crecimiento FCF (anual) | | +10.6% | +8.5% | -96.8% | -6052.8% | +229.7% | +54.8% | -62.9% | +28.5% | -130.9% |
| Margen Bruto | 86.1% | 86.9% | 85.6% | 81.6% | 83.5% | 95.2% | 88.8% | 68.7% | 63.6% | 66.4% |
| Margen Operativo | 23.1% | 26.1% | 25.4% | 16.9% | 16.7% | 21.7% | 18.1% | 16.9% | 16.7% | 18.9% |
| Margen EBITDA | 29.1% | 31.7% | 28.6% | 20.8% | 23.5% | 29.7% | 27.2% | 22.4% | 21.3% | 18.9% |
| Margen Neto | 16.0% | 13.9% | 20.3% | 13.7% | 13.5% | 17.5% | 15.4% | 13.5% | 13.5% | 15.2% |
| Margen FCF | 18.7% | 20.1% | 20.7% | 0.5% | -26.7% | 28.3% | 37.0% | 10.8% | 12.6% | -3.7% |
| Tasa Impositiva Efectiva | 30.8% | 46.6% | 20.1% | 19.0% | 19.2% | 19.4% | 14.5% | 20.1% | 19.3% | 19.6% |
Datos por Acción (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| FCF por Acción | $1.19 | $1.30 | $1.42 | $0.04 | $-2.46 | $2.69 | $2.73 | $0.99 | $1.27 | $-0.39 |
| Dividendo por Acción | $0.19 | $0.13 | $0.20 | $0.29 | $0.40 | $0.40 | $0.42 | $0.44 | $0.45 | $0.45 |
| Acciones en Circulación (Básicas) | $8.4M | $8.4M | $8.4M | $9.1M | $9.5M | $11.3M | $17.2M | $17.6M | $17.6M | $17.8M |
Qué mirar en empresas de Financial Services
- Efficiency Ratio (≤55%) — Gastos operativos / ingresos. Bancos top por debajo del 55%.
- ROA (≥1%) — Cuánto ganan por cada euro de activos. En banca el ROE engaña por el apalancamiento.
- ROTCE (≥12%) — Rentabilidad sobre Capital Tangible. Descuenta goodwill e intangibles.
- Capital / Activos (proxy Tier 1) (≥8%) — Proxy del ratio de capital. FMP no expone Tier 1 regulatorio directo.
- P/B (1,0-1,5x) — Métrica clásica bancaria. <1x puede ser oportunidad o distress.
- Rentabilidad por dividendo sostenible (≥2%, <8%) — Bancos UE pagan 5-7% sin estrés. >8% es señal de distress.
Rentabilidad
| Rentabilidad sobre capital | 9.04% |
| Rentabilidad sobre capital invertido | 0.41% |
| Rentabilidad sobre activos | 0.90% |
| Margen bruto | 59.23% |
| Margen operativo | 11.63% |
| Margen neto | 20.59% |
Salud financiera
| Deuda / Patrimonio | 0.60 |
| Ratio corriente | 0.42 |
Ratios Clave (10 años)
| Año | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| P/E | 15.53 | 16.40 | 10.35 | 14.73 | 11.81 | 10.28 | 11.13 | 10.73 | 11.87 | 11.21 |
| P/VC | 1.19 | 1.36 | 1.29 | 1.15 | 0.96 | 0.88 | 0.95 | 0.92 | 1.02 | 0.84 |
| P/V | 2.06 | 2.21 | 2.10 | 2.02 | 1.59 | 1.80 | 1.72 | 1.46 | 1.60 | 1.70 |
| Margen Bruto | 86.1% | 86.9% | 85.6% | 81.6% | 83.5% | 95.2% | 88.8% | 68.7% | 63.6% | 66.4% |
| Margen Operativo | 23.1% | 26.1% | 25.4% | 16.9% | 16.7% | 21.7% | 18.1% | 16.9% | 16.7% | 18.9% |
| Margen Neto | 16.0% | 13.9% | 20.3% | 13.7% | 13.5% | 17.5% | 15.4% | 13.5% | 13.5% | 15.2% |